Cheap Quotes for Searcy, AR Car Insurance (2021)

Searcy, Arkansas car insurance rates average $338 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Searcy, AR companies, you can find cheap Searcy car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Searcy, AR after a DUI are $4,877/year
  • Average car insurance rates in Searcy, AR for senior drivers are $2,100/year
  • Searcy has an average commute time of 16.6 minutes

How do the Searcy, Arkansas monthly average car insurance rates of $338/month compare to nearby cities like Conway car insurance rates, Fayetteville car insurance rates, and Little Rock car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Searcy, AR.

We’ll cover the Arkansas minimum coverage requirements, Arkansas car insurance laws, and Searcy, AR statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Searcy, Arkansas companies to find the most affordable Searcy car insurance rates.

Enter your ZIP code above to find cheap Searcy, AR car insurance quotes today.

What are the minimum Searcy, AR car insurance requirements?

To meet Arkansas minimum car insurance coverage requirements, Searcy, AR drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Searcy, Arkansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Searcy, AR Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Searcy, AR you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Searcy, Arkansas

ZIP Code Average Annual Rates
72143 $4,200
72149 $4,110

How do age, gender, and marital status affect Searcy, AR car insurance rates?

Three of the criteria that most affect car insurance rates in Searcy, Arkansas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Searcy car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Searcy, Arkansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,775 $2,784 $2,489 $2,659 $10,296 $12,363 $3,045 $3,292
Farmers $2,304 $2,292 $2,059 $2,165 $9,703 $10,055 $2,642 $2,784
GEICO $2,442 $2,411 $2,249 $2,187 $6,504 $6,507 $2,410 $2,444
Liberty Mutual $2,227 $2,384 $2,143 $2,398 $8,234 $9,082 $2,410 $2,513
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $2,766 $2,618 $2,276 $2,380 $11,758 $13,237 $3,307 $3,572
State Farm $1,740 $1,740 $1,564 $1,564 $5,117 $6,425 $1,962 $2,255
Travelers $2,146 $2,185 $2,135 $2,139 $12,771 $20,554 $2,304 $2,635
USAA $1,272 $1,284 $1,182 $1,189 $3,987 $4,173 $1,634 $1,760

How much do teen drivers pay for car insurance in Searcy, AR?

Searcy, Arkansas car insurance rates for teens are often higher than rates for other drivers. Compare Searcy car insurance rates from multiple Searcy, Arkansas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Searcy, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,296 $12,363
Farmers $9,703 $10,055
GEICO $6,504 $6,507
Liberty Mutual $8,234 $9,082
Nationwide $6,624 $8,442
Progressive $11,758 $13,237
State Farm $5,117 $6,425
Travelers $12,771 $20,554
USAA $3,987 $4,173

How much do senior drivers pay for car insurance in Searcy, AR?

With a little research, seniors can find affordable car insurance in Searcy, Arkansas. Here’s a look at how the top Searcy car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Searcy, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,489 $2,659
Farmers $2,059 $2,165
GEICO $2,249 $2,187
Liberty Mutual $2,143 $2,398
Nationwide $2,440 $2,578
Progressive $2,276 $2,380
State Farm $1,564 $1,564
Travelers $2,135 $2,139
USAA $1,182 $1,189

How does coverage level affect Searcy, AR car insurance rates?

How much coverage do you need? Are you comfortable with the Arkansas minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Searcy, AR car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Searcy, Arkansas

Insurance Company Low Medium High
Allstate $4,807 $4,960 $5,121
Farmers $4,041 $4,207 $4,504
GEICO $3,250 $3,393 $3,540
Liberty Mutual $3,776 $3,892 $4,104
Nationwide $4,022 $3,922 $4,073
Progressive $4,814 $5,153 $5,751
State Farm $2,654 $2,793 $2,940
Travelers $5,557 $5,874 $6,145
USAA $1,972 $2,052 $2,155

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How does your driving record affect Searcy, AR car insurance rates?

Safe driving pays off. The more traffic violations you have in Searcy, AR, the higher your car insurance rates will be. Compare rates based on driving infractions from top Searcy, Arkansas companies.

Annual Searcy, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,079 $5,149 $5,733 $4,890
Farmers $3,591 $4,604 $4,498 $4,308
GEICO $2,310 $3,534 $5,248 $2,486
Liberty Mutual $2,668 $4,350 $5,091 $3,586
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,515 $6,281 $4,746 $5,416
State Farm $2,560 $3,032 $2,796 $2,796
Travelers $4,906 $5,068 $7,440 $6,021
USAA $1,585 $2,008 $2,890 $1,758

How does a DUI affect Searcy, AR car insurance rates?

With even one DUI on your record, you can see an increase in your Searcy, AR car insurance rates.

Annual Car Insurance Rates After a DUI in Searcy, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,733
Farmers $4,498
GEICO $5,248
Liberty Mutual $5,091
Nationwide $5,453
Progressive $4,746
State Farm $2,796
Travelers $7,440
USAA $2,890

How does your credit history affect Searcy, AR car insurance rates?

Take a look at the data here to see how your Searcy, Arkansas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Searcy, Arkansas

Insurance Company Poor Fair Good
Allstate $6,230 $4,782 $3,877
Farmers $4,835 $4,054 $3,862
GEICO $4,065 $3,344 $2,774
Liberty Mutual $5,655 $3,430 $2,687
Nationwide $4,733 $3,811 $3,473
Progressive $5,936 $5,067 $4,715
State Farm $4,051 $2,438 $1,898
Travelers $6,714 $5,614 $5,249
USAA $2,726 $1,864 $1,590

How does your commute affect Searcy, AR car insurance rates?

Searcy, AR car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Arkansas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Searcy if you’re financing.

Annual Car Insurance Rates by Commute Length in Searcy, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,963 $4,963
Farmers $4,251 $4,251
GEICO $3,369 $3,420
Liberty Mutual $3,924 $3,924
Nationwide $4,006 $4,006
Progressive $5,239 $5,239
State Farm $2,728 $2,863
Travelers $5,859 $5,859
USAA $2,001 $2,118

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Who has the cheapest Searcy, AR car insurance rates?

Here’s a breakdown of Searcy, Arkansas car insurance rates by company. You can see which company offers the cheapest Searcy car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Searcy, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

What are the top Searcy, AR car insurance companies?

Which Searcy, Arkansas car insurance company will best fit your needs and budget? Check out this comparison of the top Searcy companies to find the one for you.

Average Annual Car Insurance Rates by Company in Searcy, Arkansas

Insurance Company Average Annual Rates
Allstate $4,963
Farmers $4,251
GEICO $3,394
Liberty Mutual $3,924
Nationwide $4,006
Progressive $5,239
State Farm $2,796
Travelers $5,859
USAA $2,060

What factors affect Searcy, AR car insurance rates?

Why are Searcy, Arkansas car insurance rates different than rates in Conway or Fayetteville? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Searcy, AR?

More time spent behind the wheel can lead to higher Searcy, Arkansas car insurance rates. In Searcy, AR, the average commute length is 16.6 minutes.

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Car Insurance Quotes for Searcy, AR

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